I don't know that we have data on the share of those losses. You're absolutely right that the pattern.... Calls are only part of the problem now. Texts are increasingly a problem. They're used very cleverly, frankly, by bad actors. You get a text from your bank saying that they need an instant response.
First, you need to understand that texts fall under CASL, the anti-spam legislation. The processes we follow will be very similar. STIR/SHAKEN and other technologies like this will be used. At the end of the day, if it's fraudulent, we collect the information through our intelligence gathering group. We share it with law enforcement and other partners and, if it's fraudulent, law enforcement will go after them.
I hope that answered your question.